Step Up SIP Calculator
Monthly SIP Amount
Annual step up
SIP Period
Expected Return Rate (p.a)
Investment
Est Returns
Invested amount
₹ 47,81,227
Estimated returns
₹ 51,12,321
Total value
₹ 98,93,548
What Is a Step-Up SIP Calculator?
Unlike a regular SIP where you invest a fixed amount every month, a Step-Up SIP increases your investment annually—typically by a fixed percentage. This small adjustment can lead to massively higher returns over the long term.
Don’t just invest. Scale your SIPs and accelerate your returns.
The Step-Up SIP Calculator shows how increasing your SIP contribution each year can build significantly more wealth over time. It is perfect for investors who expect their income to grow and want their investments to grow with it.
Why Use The Step-Up SIP Calculator?
- Smarter Projections Know exactly how much your investment could grow when you step up your SIP annually.
- Realistic Planning Match your SIP growth to expected salary hikes or financial goals like buying a house or a car.
- Simple & Fast Enter a few numbers. See instant results. No spreadsheets. No guesswork.
- Side-by-Side Comparison See how a flat SIP compares to a Step-Up SIP over the same period.
How It Works
- Enter your current monthly SIP amount
- Add your expected yearly increase (%)
- Choose your investment duration and expected return rate
- Instantly see your projected wealth — with and without step-up
What Is the Step-Up SIP Calculator Formula?
Flat SIP: Invest ₹10,000/month for 20 years @ 12% returns = ₹99.9 Lakhs
Step-Up SIP (10% annually): Starts at ₹10,000/month → increases yearly = ₹1.63 Crores That’s ₹63 Lakhs more — just by scaling your SIP every year.
Who Is This For?
- Young professionals planning for long-term wealth
- Salaried individuals expecting regular raises
- Anyone serious about reaching their financial goals faster
Step-Up SIP vs. Top-Up SIP – Are they the same?
Definition | SIP amount increases by a fixed % annually | SIP amount increases by a fixed ₹ amount annually |
Increase Type | Percentage-based (e.g., +10% every year) | Fixed rupee-based (e.g., +₹1,000 every year) |
Control | Proportional to your existing SIP | Fixed, predictable increase |
Best For | Investors whose income grows in percentage terms (e.g., salary hikes) | Investors who prefer precise control over yearly increase |
Growth Pattern | Accelerates faster over time | Steady, linear growth |
Flexibility | May need recalculation as base SIP grows | Easy to plan with flat additions |
Example | ₹10K/month growing 10% yearly becomes ₹81.4K/month in 20 yrs | ₹10K/month with ₹1K yearly top-up becomes ₹29K/month in 20 yrs |
Result Over 20 Years (Illustrative) | Higher corpus due to compounding on rising base | Slightly lower corpus compared to step-up |
Things to Keep in Mind with Step-Up SIPs
Step-Up SIPs are a powerful tool for long-term investing, but like any strategy, they work best when planned thoughtfully. Here are a few things to be aware of:
- Make Sure It Matches Your Cash Flow Increasing your SIP every year makes sense if your income grows too. Just be sure the step-up amount is something you’re comfortable with—even during slower financial years.
- Markets Can Vary Step-Up SIPs invest in market-linked instruments. While long-term returns are often strong, short-term ups and downs are normal. Use realistic return assumptions in the calculator.
- Stick With the Plan The power of a Step-Up SIP comes from consistency. Skipping or reducing future increases might impact your final goal, so revisit your plan regularly and adjust when needed.
- Keep Inflation in Mind Step-Up SIPs help counter inflation by boosting your investment each year. Still, it’s good to check your projections from time to time to make sure you're staying ahead.
- Avoid Overestimating Returns The calculator shows what could happen based on your inputs. It’s a guide, not a promise—so stay conservative with growth assumptions and focus on what you can control: your contributions.